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*جميع الأسماء المسجلين داخل البوليصة بشرط لديهم اقامة صالحة فى الكويت

حمولة

الغرض من تغطية التأمين

يوفر التأمين على البضائع لمالكها الحماية ضد الخسائر الناتجة عن تلف أو خسارة البضائع الناتجة عن مخاطر التأمين. كما يوفر الحماية ضد المطالبات المالية المرفوعة ضد مالك البضاعة في حالة المتوسط العام المعلن.

نطاق التغطية

يمكن الحصول على أغطية تأمين لجميع المخاطر (أ) أو الغطاء المقيد (ج). “الغطاء المقيد” ينص على التغطية فيما يتعلق ببعض المخاطر المحددة فقط.

أنواع بوالص التأمين على البضائع

يمكن شراء بوليصة تأمين محددة لشحنة واحدة فقط من البضائع. في حالة المتداولين ذوي التدفق المنتظم للواردات والصادرات ، يتم عادةً تنفيذ سياسة / غطاء مفتوح. يوفر هذا الغطاء المفتوح الحماية للمتداول فيما يتعلق بجميع شحناته وفقًا للشروط والأحكام والشروط المُعدة مسبقًا. بموجب بوليصة التأمين هذه ، يتعهد المتداول بالإعلان عن جميع شحناته على أساس منتظم

HULL INSURANCE

The insurance covers the assured’s economic interest in the vessel (ship, yacht, boat, fishing vessel, Jet Ski, etc. etc.) and its equipment and cover is offered for total and partial losses of the insured property. The Hull & Machinery insurance also contains an element of cover for liabilities to third parties; namely the assured’s liability for collisions and often liabilities for a vessel’s striking fixed or floating objects. This insurance also covers the assured’s costs of measures to avert or minimize loss (sue and labour), salvage and general average.

Loss of Hire Insurance

The Loss of Hire insurance primarily protects the ship owner against losses where the ship is wholly or partially deprived of income as a result of the vessel being out of operation whilst repairing a damage that is recoverable under the Hull & Machinery policy. FYI, this cover will not provide protection to the assured if the vessel is laid up due to lack of work or scheduled repairs or dry-docking. In order to enable the assured to recover the loss of hire under this policy there has to be an accident resulting in the damage of the ship and the same must be recoverable under the H&M insurance policy.

Hull Third Party Liablility

The insurance covers the insured’s legal liability arising from the ownership and use of the insured vessel in respect of death or bodily injury to any person, loss of or damage to property not belonging to the insured, including other boats, piers, docks, wharves, jetties or pontoons.

Protection & Indemnity Insurance

P&I cover responds to liability for damage or loss which the assured has caused to others. The purpose of Protection and Indemnity (P&I) insurance is to shield the assured from the risk of his liability to others arising from his maritime activities. Unlike loss insurance, P&I responds to liability for damage or loss which the assured has caused to others.

Road Hauliers Liability insurance or Transport operator Liability insurance

Hauliers’ insurance policies protect the operator from any loss or damage to goods that he is transporting arising out of his negligence. It also covers Legal liability against claims from third parties for damage to property or injury, death and/or disease.